Electel Cooperative
Raleigh, NC · Charter 24819 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$68.2MAssets
$42.3MLoans
$59.9MShares
$8.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 68% of credit unions under $1B in assets (rank 543 of 1682).
- Widest gap: return on equity trails 88% of credit unions under $1B in assets (rank 1475 of 1681).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.01%
Rank 1,475 of 1,683
Net Interest Margin
4.04%
Rank 634 of 1,683
Efficiency Ratio
89.10%
Rank 1,352 of 1,682
Equity / Assets
12.67%
Rank 879 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.01% | 0.35% | 0.74% | 1.18% | Beats 12% | 1,475 / 1,683 | |
| Return on Equity | 0.05% | 2.67% | 5.89% | 8.74% | Beats 12% | 1,475 / 1,681 | |
| Net Interest Margin | 4.04% | 3.31% | 3.82% | 4.32% | Beats 62% | 634 / 1,683 | |
| Efficiency Ratio | 89.10% | 68.91% | 78.20% | 86.93% | Beats 20% | 1,352 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.26% | 0.65% | 1.29% | Beats 68% | 543 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.67% | 10.44% | 12.89% | 16.53% | Beats 48% | 879 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.67% | 10.44% | 12.89% | 16.53% | Beats 48% | 879 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 70.56% | 52.61% | 69.38% | 83.50% | 52nd pctl | 807 / 1,683 | |
| Loans / Assets | 61.98% | 44.71% | 59.18% | 70.72% | 57th pctl | 731 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |